The rollout of so-called “Obamacare” has many consumers scratching their heads — and many individuals and small businesses discovering their health insurance costs under the law’s changes will be higher than in their current plans, said Fisher, who is president of the Pennsylvania Association of Health Underwriters.

“The cost for subsidizing (the uninsured) is huge for those who are healthy and can get insurance now,” said Fisher, an insurance broker with The DJB Group in Meadville, Pa.

“They’re going to have a rude awakening. My clients are saying to me ‘I thought this was supposed to be cheaper.’ Well, it was. But it’s not.”

Fisher says he’s not bellyaching just because of the changes in the insurance industry. He said the long hours and months of uncertainty in preparing for the seismic shift don’t bother him. But the impact on his clients does.

“The fact of the matter is this bill fails to address the cost of health care,” he said. “There’s nothing in it to make the cost affordable.”

He fears the law will lead to fewer employers offering benefits, fewer worker hours and fewer health insurance carriers offering benefits.

“That’s hurting the economy because people are losing hours and losing income,” he said.

“We work very hard trying to provide the best information to our clients. I don’t see that happening with the exchanges, the marketplaces. Who are you going to deal with when you have a claim?”

In Fisher’s view, a better approach to fixing health care would have exercised more precision.

Rather than changing the whole system, he said, the government should have focused on the high-risk pool — that estimated 15 percent of the population that doesn’t have health insurance, he said.

Problems with the government website and congressional hearings dominated headlines last week, embarrassing the Obama administration and leading Republicans to call for the resignation of Health and Human Services Secretary Kathleen Sebelius.

Fisher said the government needs to delay implementation so lawmakers and government leaders can sort out the problems.

“The problem with Obamacare is that it was made far too big and far too complicated,” he said. “Nobody really knew what they were voting on, and now they have had to make exceptions to keep people happy.

“The Democrats created a terrible bill, and the Republicans have sat idle for three and half years trying to repeal it instead of offering a solid alternative. We need to delay the entire bill until 2015 to see if we can fix the pieces that need to be fixed.”